Lifestyle
Merchant
French Clinics
15% discount on selected dental services at French Clinics
Valid until 19 Aug 2026
- Joining Fee
- Free
- Annual Fee
- Free
- Minimum Salary
- AED 8,000
ADCB LuLu Platinum Credit Card
A free-for-life LuLu co-brand card earning 8 LuLu Points per AED at LuLu stores, with complimentary airport lounge access.
≈ AED 29,668 potential value / year · incl. perks
Rewards
8LuLu Points
per AED 1 at LuLu stores.
Earn 8 LuLu Points per AED 1 spent at LuLu stores.
See full breakdown1.25LuLu Points
per AED 1 on all other spend.
Earn up to 1.25 LuLu Points per AED 1 on all other UAE and international spend.
See full breakdownRewards Calculator
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Eligibility
21
Minimum Age
8,000AED
Minimum Income
Documents ready
Emirates ID + passport with residence visa
Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.
Check your AECB report
Recent rejections or missed payments can stall approval
A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.
August Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
- Get 20% back as noon credits when you spend on noon food
- Get 5% back as noon credits when you spend on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles after AED 35,000 spend
- No Annual Fee
- 6 Voyager Miles on every AED spent on Voyager Travel Portal
- 3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles after AED 70,000 spend
- No Annual Fee for the first year
- 12 Voyager Miles on every AED spent on Voyager Travel Portal
- 6 Voyager Miles on every AED spent on other travel bookings
Offers
See all 2829View offer
Lifestyle
Merchant
Philippine House Restaurant
10% discount on F&B at Philippine House Restaurant
Valid until 19 Aug 2026
Lifestyle
Merchant
Kidz Factory
Up to 15% discount on selected packages at Kidz Factory
Valid until 20 Aug 2026
Lifestyle
Merchant
Keni Soi Restaurant
15% discount on F&B at Keni Soi Restaurant
Valid until 21 Aug 2026
Additional Benefits
Airport lounge access
4 complimentary visits per year to 25+ lounges.
No minimum spend requiredRegister the eligible Mastercard Platinum card in Mastercard Travel Pass before travel to unlock four complimentary lounge visits per year.
See full breakdownREEL Cinemas offer
Buy 1 ticket and get 1 free, up to 2 times per month.
No minimum spend requiredUse the eligible ADCB LuLu Platinum card for up to two buy-one-get-one-free ticket redemptions per month at REEL Cinemas.
See full breakdownFees
Free
Joining Fee
Free
Annual Fee
3.69%
Monthly Interest Rate
3.69% per month (44.28% per annum).
Late Payment FeeAED 241.5*
*Charged if the minimum payment due is not received by the payment due date.
Over Limit FeeAED 288.75*
*Charged when the balance exceeds the credit limit.
Cash Advance Fee3.15%*
*3.15% of the cash advance amount or AED 105, whichever is higher.
International Transaction Fee (non-AED)2.99%*
*2.99% of the transaction amount for non-AED spend.
Foreign Currency Transaction Fee (AED abroad)2.99%*
*2.99% on foreign-currency transactions settled in AED abroad.
Card ReplacementAED 78.75
Supplementary CardFree*
*Complimentary.
Credit Shield1.04%*
*Optional; charged monthly on the outstanding balance when enrolled.
Frequently Asked Questions
Get answers to common questions about ADCB LuLu Platinum Credit Card credit card
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